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1.800.443.5698

Checking Accounts

Credit Union of Ohio is the best place for you to bank- at every stage of your life. Our flexible checking options have something for everyone. All of our accounts come with:

  • No minimum balance requirement
  • Mobile Banking with Text Alerts
  • Mobile Deposit - FAQ here
  • Apple Pay®
  • Online Banking & Bill Pay
  • Thousands of Branches & ATMs nationwide

 

Apple Pay® is here!

You can now easily make purchases at participating merchants with your iPhone 6®, iPhone 6 Plus®, Apple Watch®, and new model iPads®.
To get started, make sure your Apple® device has the most recent upgrade and add your CUO debit or credit card in the Wallet app.

Visa Purchase Alerts     

You now have the ability to monitor your CUO Visa credit, debit or prepaid accounts.  This new feature allows you to check for unusual activity and take action at the first sign of potential fraud.
If you are interested in receiving alerts, visit here to sign up.  You can set up your amount thresholds, international transactions and telephone or online orders. These alerts can be received as email or text messages and will only take place on certain networks including Interlink and Plus.


Take a look at our options and find the checking account that’s right for you.

Checking Bundle:

Ideal for those on the go, electronic convenience and easy access make this account perfect for your busy lifestyle.

Basic Checking:

If you want everyday basics then this is the account for you. Easy access and convenient ways to manage your day-to-day money.

ADVANTAGE Checking:

Perfect for those 55 and older, this account has all the perks of our Checking Bundle, plus earns interest with a free box of checks annually.

Student Checking:

Fast, easy and convenient, this account is ideal for young adults, 18-24, who want to manage their money on the go without worrying about fees

Checking Plus:

Tiered account with basic features that earns dividends- perfect for those who want to earn a little more.

Check out this easy-to-read comparison chart of the features and benefits of all Credit Union of Ohio checking accounts:

 

Free Checking
Bundle

Basic Free
Checking

Checking
Plus

ADVANTAGE

Checking

Student
Checking

Account Details

Free account with easy access, no balance requirement, and extra perks.

No-frills account with all the basics for managing your day-to-day money.

Tiered account that has basic features and earns dividends.

An account for members 55+ years of age or anyone who has retired, plus earns dividends.

Free account with all the basics, just right for 18 to 24 year old students starting out.

Minimum to Open

None

None

$2,500

None

None

Monthly Fee

None

None

$5 (fee waived if a minimum average daily balance of $2,500 is maintained)

None

None

Online Banking with Bill Pay

Free, included

Free

Free

Free, included

Free, included

Direct Deposit

Required

Available

Available

Required

Available

e-Statements

Free, required1

Free

Free

Free, required1

Free, required1

Accessing Your Account

Free & unlimited:

  •  Check writing
  • Debit transactions
  • Online check images
  • Teller access

Free & unlimited:

  •  Check writing
  • Debit transactions
  • Online check images
  • Teller access

Free & unlimited:

  •  Check writing
  • Debit transactions
  • Online check images
  • Teller access

Free & unlimited:

  •  Check writing
  • Debit transactions
  • Online check images
  • Teller access

Free & unlimited:

  •  Check writing
  • Debit transactions
  • Online check images
  • Teller access

Credit Union of Ohio ATM Access

Free & unlimited

Free & unlimited

Free & unlimited

Free & unlimited

Free & unlimited

Other ATM Access2
(includes Surcharge-Free ATM networks)

4 free per month, then $2 each; unlimited use

4 free per month, then $2 each; unlimited use

4 free per month, then $2 each; unlimited use

4 free per month, then $2 each; unlimited use

8 free per month, then $2 each; unlimited use

Overdraft Protection3

Ask us about your options.

Ask us about your options.

Ask us about your options.

Ask us about your options.

Ask us about your options.

Additional Benefits

  • First box of checks free

  • First box of checks free

  • First box of checks free

  • One free box of checks annually.

  • First box of checks free

1-You may also elect to receive paper statements at an additional charge of $3 per month. 2-Includes deposits, withdrawals, and balance inquiries at any ATM not owned by Credit Union of Ohio. You may also be charged a surcharge by the financial institution who owns the ATM. A listing of surcharge-free networks available at www.cuofohio.org. 3-As part of new federal regulations, click here to state your preference for the way we'll handle your overdrafts.  

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